Paying in installments on Shop Pay™ allows you to split your purchase amount into four equal, biweekly installment payments or monthly installments with no hidden or late fees*.
HOW IT WORKS
1. Add SpotOn Fence to your cart.
2. Check out with Shop Pay™.
3. Choose the option to pay in installments.
4. Your first payment is due at checkout. The remaining payments are automatically charged to your card saved on Shop Pay based on the payment plan you chose. Don't worry, you'll get an email reminder before each payment to remind you.
INSTALLMENT PAYMENT FAQs
Which payment methods are accepted if I use the option to pay in installments on Shop Pay™?
For non-interest-bearing orders (installments), debit and credit cards are accepted through Shop Pay™.
Is there a limit to how much I can spend on a single Shop Pay Installments order?
Yes, 20,000 USD is the order value limit that applies to purchases using Shop Pay™ Installments, including discounts, shipping, and taxes.
Are there late fees?
No, there are no late fees if you miss a scheduled payment.
What if I miss an installment payment?
There are no late fees for customers who miss a scheduled payment. However, partial payments or late payments might impact your credit score, or your eligibility to use Shop Pay™ Installments in the future. If you have questions about a missed installment payment, then you can contact Affirm support for assistance.
What if I make a return on a purchase made through installments with Shop Pay?
Contact customer support and our team will advise if a return is possible. If a return is possible, SpotOn will advise how much the refunded amount will be. After your refund is processed, the refund amount will be applied to your original payment method within 3-10 business days and your balance will be updated.
If your refund is less than your total purchase balance, then it might not lower your next payment. Instead, you can expect fewer payments, a smaller final payment, or both.
If your refund is more than your purchase balance, then the difference is returned to your original payment method within 3-10 business days.
If your order is made with interest payments, then the paid interest isn't refunded. When you make payments, the funds are first applied to the accrued unpaid interest and then to the principal. Interest is the cost of borrowing, and isn't refundable.
FINANCING FAQs
Can I finance SpotOn collars using Shop Pay™?
Monthly installment orders are also available via Shop Pay™. These are interest-bearing running from 0 to 36% APR based on your qualifications and may be paid in three, six, or twelve months depending on the purchase amount.
*Rates from 0-36% APR. Payment options through Shop Pay Installments are subject to an eligibility check and are provided by these lending partners: affirm.com/lenders. Options depend on your purchase amount, and a down payment may be required. State notices to consumers affirm.com/licenses. For questions about installment payments on Shop Pay, visit https://shoppay.affirm.com/.
Which payment methods are accepted if I finance?
For interest-bearing orders, Shop Pay™ requires payments to be made by debit card.
Can I pre-qualify for a purchase amount before making my purchase?
No. An application for Shop Pay™ can only begin with a live checkout. Applying only takes a few steps and you’ll get a real-time decision in minutes.
HAVE MORE QUESTIONS?
For questions about installment payments on Shop Pay™, visit shoppay.affirm.com.